Investor Presentaiton

4Q21 RESULTS HIGHLIGHTS Outstanding profitability Strong interest and F&C income generation Resilient loan portfolio quality and high cost efficiencies ROAE Operating income 4Q21 26.4% 4Q21 +26.4% y-o-y +9.0% 9-0-9 GEL 379mln Cost of credit risk 4Q21 -0.2% Strong portfolio growth Loan growth 31 Dec 2021 GEL 16.2bln +13.9% y-o-y* +3.8% q-o-q* Strong capital and liquidity positions CET 1 capital 31 Dec 2021 13.2% Minimum requirement 11.5% Net profit 4Q21 GEL 201mln +52.2% y-o-y +8.3% q-o-q +36.5% y-o-y +2.6% 9-o-q Net F&C income 4Q21 Cost to income 4Q21 GEL 64mln 39.8% * Growth on a constant currency basis was 19.8% y-o-y and 4.9% q-o-q ** Growth on a constant currency basis was 12.5% y-o-y and 6.3% q-o-q 25 Deposits growth 31 Dec 2021 GEL 14.Obln +0.1% y-o-y +5.4% 9-0-9 ** Liquidity coverage 31 Dec 2021 124.0% Minimum requirement 100%

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